<!-- Keywords:Altoro Mutual, executives, board of directors -->
<div class="fl" style="width: 99%;">

<h1>Executives &amp; Management</h1>

<table width=100% border=0 cellpadding=10 cellspacing=0>
<tr>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Karl Fitzgerald</b><br />
Chairman & Chief Executive Officer<br />
Altoro Mutual
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Rebecca Saddlemire</b><br />
President and Chief Operating Officer<br />
Altoro Mutual
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Alison Debus</b><br />
Vice Chairman<br />
Regional Banking Group
</td>
</tr>
<tr>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Charles Kirk</b><br />
Vice Chairman<br />
Commercial Banking
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Rebecca Salas</b><br />
Vice Chairman<br />
Finance
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Chris Pender</b><br />
Vice Chairman<br />
Risk Management
</td>
</tr>
<tr>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Andrew Snell</b><br />
Senior Executive Vice President<br />
Chief Credit Officer
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Julia Towle</b><br />
Senior Executive Vice President<br />
Chief Administrative Officer
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Steve Harris</b><br />
Senior Executive Vice President<br />
Consumer Finance Group
</td>
</tr>
<tr>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Liza Rubinson</b><br />
General Auditor<br />
Altoro Mutual
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Waymond Kraus</b><br />
Executive Vice President<br />
Chief Financial Officer
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Jayne Westmoreland</b><br />
Executive Vice President<br />
Systems &amp; Operations
</td>
</tr>
<tr>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Craig Tan</b><br />
Executive Vice President<br />
Director of Human Resources
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Matthew Weil</b><br />
Executive Vice President<br />
Deputy Chief Credit Officer
</td>
<td valign="top" width=12% height=100% bgcolor=#FFFFFF><img src="images/spacer.gif" border="0"></td>
<td valign="top" width=25% height=100% bgcolor=#FFFFFF>
<b>Fred Rigapolous</b><br />
Executive Vice President<br />
General Counsel & Secretary
</td>
</tr>
</table>

</div>